A Budgeteers Quest to be Debt Free & Mortgage Free By 40

DedicatedDFW

Hi All,

Jwil - wow on all those surveys that are paying out for you :T:T:T

I am pleased to note i am very close to payout on 1 survey and completed a survey tonight for another site which should be taking me to payout -not sure how i request this though or if its automatic :cool:

Frittering must admit to doing a bit of this myself though i feel i am getting better with this.

Aim for tomorrow is to spend less than budget on shopping and transfer the difference across - really hope i can manage this as it will help with my pad

Tomorrows plan is list new items on e-bay and re-list several other bits

Have been keeping up with free bingo

No idea how it is taking me longer to get home from work of late :rotfl::rotfl::rotfl: Definitely bedtime.

PAD:-

Day 1: paid 6.38/1025.38 total = 1019:T:T:T e-bay funds
Day 1: paid 27.00/1019 total = 992 :T:T:T interest still to be added though (money from e-bay)
Day 2: paid 20.00/992 = 972 :T:T:T p/t work
Day 2: paid 8.00/972 = 964 :T:T:T MS money
Day 3: paid £10/964 = 954 e-bay money

jwil

Well done on your payments so far!

I've paid off £50 this morning from my CC, that's £10 from the survey site, £5 which was a last minute redeem from BP, and £35 which is an overpayment. I've not got a lot spare this month now, so need to get some ebaying done if I'm going to clear it.

I'm now at £940 (there will be interest, but I've got some cash spare and will pay that off as soon as it is added).

DedicatedDFW

Hiya Jwil - you are doing brilliantly :j:j:j am just going to jot down todays PADs otherwise i'll lose track

Day 3: paid 2.00/954 = 952 had change from cost of postage
Day 3: paid 7.00/952 = 945 kept shopping under budget :T:T:T
Day 3: paid 10.00/945 = 935 some funds i was owed but forgot about

Will catch up some more in a bit - lots and lots and lots to do x

DedicatedDFW

Hi All

Still lots to do today. TADA so far:

Done p/t work
Done food shop- and kept under budget :T, scanned and put away
Moved ironing
1 load of washing on the go

Checking my other survey site desperately trying to get to payout :rotfl::rotfl::rotfl:
1 free bingo done - another win here would be just fab :T
2nd free bingo just completed
part way through a survey for another site (that i'd forgotten about ) bah! screened out :mad:

What i want to achieve today is:

Clean throughout - dusting, vacuuming moving items away
list / relist 10 items on e-bay
washing up
dry and move clothes washing
shower and wash my hair - it'll save me a job in the morning :T
Check my wage slip - am waiting money for work done a while back and would love to make an extra PAD!
Study, Study, Study

Will be back later to update

DedicatedDFW

Upstairs has now been dusted and vacuumed - one or 2 bits to put away but i can do that when i have to run upstairs for something else.

Need to clean the living room before i start my study - a bit too much mess around for my liking

Would love, love, love to be able to go on holiday but if / when we do go i don't want to be worrying about money all the time and thinking about what i could have paid off. Maybe the compromise would be for me to try and get some funds together - £500 say and say this is it, this is my maximum budget for everything?

Thing is though i was really pleased with myself, last week i had said on here that i will not be agreeing to things i can't afford and voila - progress

Oops before i forget - i lost a post earlier - wages owed not yet paid but an extra £10 appeared in my wages - can only assume its down to tax and NI settling down as gross pay didn't alter still a cheery £10 for me and off it went to target 1 :cool:

Day 1: paid 6.38/1025.38 total = 1019:T:T:T e-bay funds
Day 1: paid 27.00/1019 total = 992 :T:T:T interest still to be added though (money from e-bay)
Day 2: paid 20.00/992 = 972 :T:T:T p/t work
Day 2: paid 8.00/972 = 964 :T:T:T MS money
Day 3: paid £10/964 = 954 e-bay money
Day 3: paid 2.00/954 = 952 had change from cost of postage
Day 3: paid 7.00/952 = 945 kept shopping under budget :T:T:T
Day 3: paid 10.00/945 = 935 some funds i was owed but forgot about
Day 3: paid 10.00/935 = 925 variation in wages

DedicatedDFW

Living room has now been done

Have a fair few bags to sort out but these will be the bits and pieces when i need a break - along with throwing a few new items on e-bay of course

Just settling down to a quick tea and have poured a glass of wine :beer:

Picked up 1 MS :j:j:j

Have dried and moved washing :A

Pots still waiting to be done :whistle:
as is study - food first before i fall over :rotfl: then the little kitchen timer will be my friend

Have to say i am absolutely wracking my brains trying to think about where i could conjure up an extra pad from for today :think:

DedicatedDFW

Ok, Plan now is to finish tidying up, do pots and then tomorrow i can start studying with a clear head

Friend rang before and was busy chattering away and realised how angry and upset i am about alot of things just now. This has prompted me to accept that i need to have a bit of me time now just to put thoughts into a more orderly and positive manner. I can only control my own actions and responses So, a bit more housework which should be somewhat therapeutic - always feels good to finish a mundane task and meanwhile the 'stuff' going on in my head will sort itself out

Oops, must list some stuff on e-bay too.

Have requested a £10 payout from a survey and once that arrives will be going straight off target 1. Interest should be added to this tomorrow but will at least know the exact figure i'm pushing towards

hypno06

Reading those last few posts you have written, I can see that there is a huge amount of progress being made.

Give yourself a huge pat on the back - you really are making big strides in the right direction......on so many levels x

DedicatedDFW

Hi All,

Well, i was due to be paid yesterday - wages did clear into my account - for substantially less than expected :(:( i don't know why - means i am owed money from my p/t work but knew that this would be taking a while to come through and also my f/t wage is :eek::eek::eek: all i can do is take a deep breath and collect my wage slip next week and then speak to my boss about it. Have tried to think about what could have caused this - but it's all just speculation, until i have my wage slip and can speak to someone about why this has happened i'm just going to be going round in circles on this one Am awaiting that run of time when everything goes smoothly / better than expected rather than having to deal with one difficult situation after another :cool:

Been to the doctors this morning and was told off but in a nice way :rotfl::rotfl::rotfl: - should have been back there for a check up waaaay before now. So have some new tests going on there and will have to be in touch again next week. I think this is part of the reason i neglect my health so much going to the doctors on a weekly basis for weeks at a time is just really hard to do when working 2 jobs 1 of which requires a fair bit of commuting time. Still, my health is now a priority so along with eating more healthily i will make sure i keep up with all my appointments at the docs.

Today i have to sort out car insurance *yikes* considering the lack of money in my account. Will be visiting that one via quidco methinks :cool:

Oh - still near to payout on 1 survey - requested payout on the other one :T and apparently that'll be with me in the next 6-8 weeks :rotfl::rotfl::rotfl: Don't get me wrong i'm happy its coming but i had earmarked that towards getting target 1 paid off.

E-bay listing has been done

Right car insurance then i can get underway with the rest of the day :cool:

Oh - washing machine currently doing its thing

jwil

Well done to staying firm with OH, he'll soon get the message that no money means no money! My DH is the same, he's always had an overdraft or some savings to fall back on. He could never understand that I 'literally' had no money and could not afford to do something.

Boo to the messed up wages though, that is so frustrating. Hope you manage to get it sorted out next week.

Well done on the ebay listings though!